Family Bank Tariff Guide 2026: Full Charges and Fees for Banking Services in Kenya

As one of Kenya’s leading financial institutions, Family Bank continues to offer a wide range of banking services tailored to individuals, businesses, and diaspora customers. With the updated tariff guide effective January 2026, understanding the fees and charges is essential for making informed decisions about your banking needs. This guide covers everything from mobile banking charges to trade finance fees, account maintenance costs, and more. Whether you’re looking for Family Bank mobile banking fees, account opening requirements, or international transfer charges in Kenya, we’ve compiled all the details below in easy-to-read tables.

Stay ahead with transparent banking, explore the full Family Bank 2026 tariff guide to optimize your financial management.

Mobile Banking (PesaPap) Charges

Family Bank’s PesaPap mobile banking service provides convenient access to transactions like airtime top-ups, utility payments, and balance enquiries. Below are the detailed charges:

Service	Charge (KES)	MPESA Float Charge (KES)
SMS Notifications	10	100 – 400,000: Kes 50
Full Statement	30	–
Mini Statement	5	–
On-boarding/Application	8,000	–
Airtime Top Up	Free	–
Deposits	Free	–
Utility Payments	30	–
Balance Enquiry	10	–
KPLC Postpaid	30	–
KPLC Prepaid	20	–
Mini-Statement	20	–
KRA Payments (Income Tax, VAT, PAYE, Customs)	30	–

Agency Charges

For agency banking services, Family Bank offers straightforward fees:

Service	Charge (KES)
Deposits	Free
Withdrawals (various ranges)	Refer to Bank to Mobile section below

Bank to Mobile (All Channels) Withdrawal Charges

Transfers from bank to mobile wallets come with tiered fees based on the amount:

Withdrawal Amount (KES)	Charge (KES)
1 – 100	Nil
101 – 500	11
501 – 1,000	13
1,001 – 1,500	15
1,501 – 2,500	24
2,501 – 3,500	34
3,501 – 5,000	44
5,001 – 10,000	56
10,001 – 20,000	66
20,001 – 150,000	68
100 – 2,500	25
2,501 – 5,000	45
5,001 – 10,000	75
10,001 – 20,000	120
20,001 – 35,000	150
35,001 – 50,000	180
50,001 – 75,000	210
75,001 – 1,000,000	255

Bundled Current Accounts Features and Charges

Bundled accounts like Fuzu Premier and Business Current Accounts offer perks with monthly fees:

Feature	Fuzu Premier	Business Current Accounts
Ledger Fees	Kes. 800 Monthly	Kes. 1,500 Monthly
Minimum Opening Balance	Kes. 2,000	Kes. 5,000
Minimum Operating Balance	Kes. 5,000	Kes. 10,000
Cheque Book	One free per year	One free per year
Inward Clearing Charges	Nil	Nil
Cash Withdrawal Over the Counter	Nil	Nil
VISA Debit Card	Free	N/A
VISA Credit Card	Free VISA Classic Card	N/A
Standing Order – Set up	Free	Free
Standing Orders – External	4 free per month	5 free per month
Standing Orders – Internal	Free	Free
Direct Debit	2 free	Nil
Bankers Cheque	One free per quarter	One free per quarter
Incoming Salary Transfer	Free	N/A
EFT – Incoming	Free	Free
EFT – Outgoing	As per tariff	As per tariff
RTGS – Incoming	Nil	Nil
RTGS – Outgoing	As per tariff	As per tariff
Monthly Statement	One free upon request	One free upon request
Internet Banking	Waiver on annual fees and all other transactions except RTGS third party operator charges	As per tariff
Mobile Banking	As per tariff	N/A
SMS Alerts	Free	Free
Overdraft Charges Within the Day	N/A	No charges if settled same day
Family Bank Business Club Registration	N/A	Automatic eligibility. No fee

Trade Finance Charges for SME/Micro and Corporate

Trade finance services include letters of credit and guarantees with commission-based fees:

Import Letters of Credit

Charge Type	SME/Micro	Corporate
Opening Commission	0.75% per quarter or part thereof, Min Kes. 5,000	0.5% per quarter or part thereof, Min Kes. 5,000
Acceptance Commission	0.5% per quarter or part thereof	0.5% per quarter or part thereof
Amendment – General	Kes. 2,000 plus SWIFT charges	Kes. 2,000 plus SWIFT charges
Amendment – Increase in the LC amount or Extension of LC validity	0.75% per quarter or part thereof, Min Kes. 5,000	0.5% per quarter or part thereof, Min 5,000
Retirement Commission	0.25% flat, Min Kes. 5,000	0.25% flat, Min Kes. 5,000
SWIFT Charges	Kes. 3,000 for long message and Kes. 1,500 for short message	Kes. 3,000 for long message and Kes. 1,500 for short message
Postage	Actual Courier charges plus Kes. 50	Actual Courier charges plus Kes. 50
Extension of Maturity of Bill – LC	0.5% per quarter or part thereof	0.5% per quarter or part thereof
LC Discharged Unutilized	Kes. 2,000	Kes. 2,000

Export Letters of Credit

Charge Type	SME/Micro	Corporate
Advising Commission	Kes. 2,000	Kes. 2,000
Documents Handling	0.25% flat, Min Kes. 5,000	0.25% flat, Min Kes. 5,000
Confirmation Commission	0.35% per quarter or part thereof	0.35% per quarter or part thereof
Extension Commission – Confirmed LC	0.35% per quarter or part thereof, Min Kes. 2,000 (subject to Individual Arrangement)	0.35% per quarter or part thereof, Min Kes. 2,000 (subject to Individual Arrangement)
Extension Commission – Unconfirmed LC	Kes. 2,000	Kes. 2,000
Increase of Amount Confirmed LC	0.35% per quarter or part thereof, Min Kes. 2,000 (subject to Individual Arrangement)	0.35% per quarter or part thereof, Min Kes. 2,000 (subject to Individual Arrangement)
Postage	Actual courier charges plus Kes. 500, Min Kes. 4,000	Actual courier charges plus Kes. 500, Min Kes. 4,000
Acceptance Commission – Confirmed LC	0.35% per quarter or part thereof, Min Kes. 2,000	0.35% per quarter or part thereof, Min Kes. 2,000
Acceptance Commission – Unconfirmed LC	0.25% per quarter or part thereof	0.25% per quarter or part thereof
Retirement Commission	0.25% Min Kes 2000	0.25% Min Kes. 2000

Import Documentary Collections

Charge Type	Charge (KES)
Documents Handling	Kes. 2,000
SWIFT	Kes. 2,000
Amendment	Kes. 2,000
Retirement Commission	0.25% per quarter or part thereof, Min Kes. 2,000

Avalising of Bills

Charge Type	Charge (KES)
Avalising of Bills	0.5% per quarter or part thereof

Bank Guarantee (Performance Bonds, Payment Bank Guarantees, Customs Bonds etc.)

Charge Type	SME/Micro	Corporate
Issuance Commission	0.75% per quarter or part thereof, Min Kes. 5,000	0.50% per quarter or part thereof, Min Kes. 5,000
Amendment	0.75% per quarter for any additional quarter from the one charged earlier and/or any additional amount OR Kes 2,000 for general amendment	0.50% per quarter for any additional quarter from the one charged earlier and/or any additional amount OR Kes. 2,000 for general amendment

Bid Bonds

Charge Type	Charge (KES)
Issuance Commission	Kes. 3,000 for amounts below Kes. 100,000; Kes. 5,000 for amounts between Kes. 101,000 to Kes.1 Million and 1% for amounts above Kes. 1 Million
Amendment	1% flat for any additional amount OR Kes. 2,000 for general amendment

Opinion/Reference Letters

Charge Type	Charge (KES)
Processing Fee	Kes. 1,500

General Charges

General banking services include account management and transfer fees:

Service	Charge (KES)
Dormant Account Charge	Nil
Reactivate Dormant Account	Nil
Ledger Fees	35 per entry, min 500
Account Closure	1,000
Transfer of Cash Balance on Closure (Internal Transfer)	Nil
Cash Withdrawal Over the Counter	100
Interim Statement (per page)	100
Certified Bank Statement (per page)	500
Statement of a Closed Account	2,000
Standing Order Set-up Fee	250
Standing Order – Internal	100
Standing Order – External	300
Standing Order Amendments	300
Unpaid Standing Order	2,500
Stop/Cancel Standing Order	300
Inward EFT	100
Outward EFT	1-100 items Kes.150; 101-1000 items Kes.100; over 1000 items Kes. 50
Internal Transfers	50
Direct Debit Order – Set up	Free
Direct Debit Order – Inward	50
Direct Debit Order – Outward	50
Unpaid Direct Debit Order	300
Salary Processing	100
RTGS – Outward	500
RTGS – Inward	Free
SWIFT Incoming Transfers	Kes. 600; USD 10; GBP 5; EUR 7
SWIFT Outgoing Transfers	USD Ben.- Kes. 1,500; USD Self – Kes. 3,500; GBP/EUR – Kes. 5,000; JPY – Kes 1,500
Tracers	1,000
Cash Handling – Coin Deposit Handling	100 for every Kes.1,000; 2% for amounts above Kes. 5,000
Local Cheques (per leaf)	14
Counter Cheque (per leaf)	300
Stop Payment	500
Bankers Cheque Issuance	100
Indemnity Signed on Lost Bankers Cheques	1,000
Retrieval of Paid Cheques	500
Unpaid Cheques – In-house Cheque (Insufficient Funds)	500
Unpaid Cheques – In-house Cheque (Other Reasons)	200
Unpaid Cheques – By Family Bank (Technical Reasons)	700
Unpaid Cheques – By Family Bank (Insufficient Funds/Refer to Drawer)	2,500
Unpaid Cheques – By Family Bank (Effects Not Cleared)	2,500
Unpaid Cheques – By Other Banks	500
Bank Opinion Letters (per opinion)	1,500
Confirmation to Auditors (Audit Letters)	500
Safety Deposit – Safe Custody of Documents and Valuables (half-yearly)	600
Safety Deposit – Access Charges (per visit)	100
Retrieval of Old Records	500
Commission on Treasury Bills Purchased on Behalf of Customer	1,000
Postal Money Order Collection/Deposits	120
Postage – Local Mail	100
Postage – Courier (Operator charges apply)	2,500
Virtual Card Issuance	As may be advised from time to time
Tea Processing Fees – Mini Bonus	220
Tea Processing Fees – Main Bonus	330
Tea Processing Fees – Monthly Processing	110
SMS Notification	10

Debit and Credit Card Charges

Visa Debit Classic / Mastercard Gold Debit Card

Charge Type	Charge (KES)
Issuance Fee	500
Card Replacement Fee	500
Supplementary Card Issuance Fee	500
Supplementary Card Replacement Fee	500

Visa Debit Gold / Mastercard World Debit Card

Charge Type	Charge (KES)
Issuance Fee	750
Card Replacement Fee	750
Supplementary Card Issuance Fee	750
Supplementary Card Replacement Fee	750

Other Debit Card Charges

Service	Charge (KES)
Cash Withdrawal at Family Bank ATMs	30
Balance Enquiry at Family Bank ATMs	10
Mini Statement at Family Bank ATMs	10
Cash Deposit at Family Bank Over the Counter & ATMs	Nil
Point of Sale (POS) Payment	Nil
Cash Withdrawal from Pesapoint ATMs	80
Cash Withdrawal from Kenswitch ATMs	100
Cash Withdrawal from Local Visa/Mastercard Branded ATMs	200
Cash Withdrawal from International Visa/Mastercard Branded ATMs	200
Retrieval of Captured Card – Family Bank ATMs	Free
Debit Card Annual Fee	As may be advised from time to time

Credit Cards – Classic and Gold

Charge Type	Charge (KES)
Joining Fee	Waived
Annual Fees – Classic	3,000
Annual Fees – Gold	4,000
Cash Advance Fee	6.5% min Kes 200
Interest Charged	3.5% p.m
Minimum Amount Payable on Outstanding Balance	20%
Late Payment Fee	6% min Kes 200
Card Replacement	1,000
Supplementary Card Annual Fee – Classic	1,000
Supplementary Card Annual Fee – Gold	2,000
Overlimit Fees	4% of excess, min 1,500
Insurance Premium	0.4% p.a. of credit limit
Unpaid Issued Cheque Fee	2,500

Account Types and Charges

Family Bank offers various accounts with specific opening and maintenance fees:

Mwananchi Account

Feature	Charge (KES)
Opening Balance	100
Minimum Operating Balance	100
Ledger Fees	Nil

Fuzu Prestige Account

Feature	Charge (KES)
Opening Balance	1000
Minimum Operating Balance	0
Ledger Fees	500 – Bundle Nil – PAYG

Salary Account

Feature	Charge (KES)
Opening Balance	100
Minimum Operating Balance	0
Ledger Fees	Nil

Bizna Savings Account

Feature	Charge (KES)
Opening Balance	100
Minimum Operating Balance	0
Minimum Interest Earning Balance	Kes. 20,000; USD 250

Tujenge Account

Feature	Charge (KES)
Opening Balance	200
Minimum Operating Balance	400
Minimum Interest Earning Balance	Kes. 10,000; USD150
Withdrawal Over-the-Counter	4 free withdrawals; Kes. 200 per extra withdrawal
Ledger Fees	Nil

Jenga Bizna Current Account

Feature	Charge (KES)
Opening Balance	250
Minimum Operating Balance	Nil
Ledger Fees	Nil

Group/Chama Account

Feature	Charge (KES)
Opening Balance	2,000
Minimum Operating Balance	2,000
Minimum Interest Earning Balance	Kes.20,000
Ledger Fees	Nil

Mdosi Junior Account

Feature	Charge (KES)
Opening Balance	200
Minimum Operating Balance	1,000
Minimum Interest Earning Balance	Kes. 5,000; USD 100
Withdrawal Over-the-Counter	3 free withdrawals; 200 per extra withdrawal
Ledger Fees	Nil

Scholar Account

Feature	Charge (KES)
Opening Balance	200
Minimum Operating Balance	200
Cash Withdrawal Over-the-Counter	60
Ledger Fees	Nil

Personal Current Account

Feature	Charge (KES)
Opening Balance	2,000
Minimum Ledger Fees	500

Business Current Account

Feature	Charge (KES)
Opening Balance	5,000
Business Name Verification	Variable
Drawing Against Uncleared Effects Over-the-Counter	3%, minimum 1,000
Minimum Ledger Fees	500

Diaspora Accounts

Feature	Details
Mkenya Daima Savings Account	Interest payable quarterly on an average monthly balance of 20,000 Kes (or FCY equivalent)
Mkenya Daima Current Account	Monthly ledger fees applicable (minimum Kes 500 monthly or equivalent in FCY)

Foreign Currency Accounts

Feature	Charge (USD)
Minimum Account Opening Balance	100
Cheque Book (50 leaves)	10
Cheque Book (100 leaves)	20
Account Statement	2
Certified Account Statement	5
Cash Handling	0.25% amount above USD 500
Stop Payment	5
Unpaid Cheques (By Family Bank)	20
Unpaid Cheques (By other local banks)	20
Unpaid Cheques (By banks abroad)	30
Ledger Fees	5
Account Closure	10

Fixed Deposit Account

Feature	Charge (KES)
Minimum Operating Balance	30,000

Church/NGO Account

Feature	Charge (KES)
Opening Balance	Nil
Ledger Fees	Nil

County Corporate / Public Sector

Feature	Charge (KES)
Opening Balance	Nil
Cheque/Cash Withdrawal	Free
Ledger Fees	Nil

Internet Banking & Family Pay Charges

Digital banking services with minimal fees:

Service	Charge (KES)
Set-up Fee/Maintenance Charge	Free
KPLC Postpaid	30
KPLC Prepaid	20
Internal Transfer	30
Certified Statements	10 per page
Transaction Processing (EFT)	100
Utility Payments	30
RTGS	400
SWIFT Transfer	1,500
Additional Token (Corporate Customers)	Nil
PIN Regeneration	Nil

Pesalink Transfers Charges

Tiered fees for Pesalink transfers:

Transfer Amount (KES)	Charge (KES)
10 – 500	Nil
501 – 10,000	50
10,001 – 50,000	60
50,001 – 100,000	70
100,001 – 200,000	100
200,001 – 500,000	150
500,001 – 999,999	200

Prepaid Cards Charges

Prepaid card services for convenient payments:

Service	Charge (KES)
Card Issuance Fee	350
Card Replacement Fee	350
SMS Alerts	Free
PIN Replacement	Free
Withdrawal at Own Bank ATM	30
Bank Agency Withdrawal	45
Cash Withdrawal at Interswitch (Pesapoint) ATMs	50
Cash Withdrawal from Kenswitch ATMs	110
Cash Withdrawal from International Visa Branded ATMs	200

Important Notes: Terms and conditions apply. These fees are subject to prevailing withholding tax and other taxes as may be applicable. The tariff guide is subject to change. For additional information or personalized advice on Family Bank charges in Kenya, contact Family Bank through their official channels.